bd credit great salary

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Hello, My credit score is in the 500s (as the result of acquiring medical debt while a new employee with no benefits and pay). I am now making $72,500k annually, have job security and I receive rent on an investment property that I own free & clear. Also, I don\\\'t have a lot of debt - my mortgage & $900 credit card balance. My car, which is paid off, requires approximately 3k in repairs and I need about $2,500 in home repairs. I need to get the home repairs so that I can rent it out to Johns Hopkins Hospital Residents/Graduate Students, etc. My credit union only looked at my credit score; not my monthly rental. I would like to know if you service people with similar circumstances. Thank You

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Answer #1

It sound like you need to clear up these medical debt items before you are going to have much luck getting the loan you are looking for. I understand the credit union only got as far as reviewing your credit before they informed you they wouldn’t be able to assist you. Unfortunately, credit is the first hurdle that must be jumped before a lender will be able to get you the loan you are interested in. Credit scores in the low 500 range do not meet the underwriting guidelines that lenders must follow regardless of how strong the rest of your application is. With knowledge of the medical issues pulling down your credit score, you should reach out to each creditor and payoff the accounts. Obtain a letter of satisfaction and retain this as proof you did pay the accounts in full. Have them also acknowledge in writing that they have reported the payoff to the credit bureaus and the accounts should be removed from your reports. If they follow through with this notification to the 3 credit bureaus, your scores and the likelihood of being able to refinance should improve.

Answered By: Eric Strasser Level Rating

42points

Answer #2

Eric gave an excellent answer and there isn’t much more I could add to help you.

The only thing people get wrong sometimes is not using current/new credit. If you shut all access to credit down your score will not improve. Keep that in mind if applicable.

I wrote about this a few years ago. Take a look. Hope it helps.

http://www.examiner.com/residential-real-estate-in-national/lender-advice-for-first-time-homebuyers-about-credit-scores

Thanks,
Senior Loan Officer
Monarch Mortgage
600 Jefferson Plaza, Suite 400
Rockville, MD 20852
240-403-1970 Direct
301-412-0259 Cell
http://www.monarchmtg.com/bmendelson
http://www.brentmendelson.com
nmlsr#111407

Answered By: Level Rating

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